How to reach in November 2025

Monotributistas have different options for personal loans in November 2025, even without being in a dependent relationship.

11/17/2025 – 10:33 am

Monotributistas have different options for personal loans in November, even without being in a dependent relationship. These lines allow you to finance unexpected expenses, invest in equipment, promote a project, or give impetus to a project.

Banco Nación, Banco Macro, and Naranja

Banco Nación: Personal loans for single shareholders

Banco Nación offers a special line for active mono shareholders. The maximum amount available is USD 50,000,000, with the possibility of renewal before the end of the term, as long as the bank’s requirements are met.

The loan is granted in pesos and can be repaid in up to 72 fixed installments, with mandatory automatic debit.

requirements

• Become a registered single member.
• Submit a certificate of compliance with the INDEC census.
• He must be of legal age and not exceed retirement age at the end of the loan.

Amounts and prices

• Minimum amount: $10,000
• Maximum amount: $50,000,000
• Duration: up to 72 months

For customers who have a national account:

• Fixed TNA: 70%
• Autism spectrum: 97.46%
• CFT with TNA: 98.32%
• CFT with ASD: 157.27%

For those who do not have a national account:

• Fixed TNA: 80%
• Autism spectrum: 116.94%
• CFT with TNA: 96.80%
• CFT with ASD: 153.69%

Additional terms

• Mandatory automatic deduction.
• The first installment cannot exceed 30% of the declared income.
• A current Census Compliance Certificate is required.

How to order it

• Enter the Banco Nación website or visit a branch.
• Check the requirements.
• Submitting documents.
• Choose the amount and duration.
• Indicate whether you are joining the national account or not.
• Wait for a credit evaluation.
• Sign and receive the funds.

Banco Macro: Loans to single shareholders

Banco Macro offers personal loans of up to $32,000,000, fundable within a maximum period of 60 months.

Current rates

• TNA: between 72% and 89%
• Tea: between 101.22% and 135.97%
• Kaftia: between 131.87% and 180.47%

Required documents

• DNI, Proof of CUIL and Proof of Address.
• AFIP Forms 158 and 184/F.
• Proof of paying the single tax for the past three months.

How to order it

Key points

• Free fate.
• Automatic discount.
• The fee/income ratio is evaluated according to the profile.

Orange X: 100% digital personal loans

For those looking for speed and no personal action, Naranja X offers loans up to $9,000,000, with instant approval from the app.

General conditions

• Minimum amount: $10,000
• Maximum amount: $9,000,000
• Duration: up to 48 months
• Extinguishing system: French

November 2025 prices

• TNA: 55% to 153%
• Tea: 71.22% to 322.08%
• Kaftia: 91.11% to 459.39%

requirements

• Become a Naranja customer
• Be registered with monotax.
• Do not record overdue debts.
• Verify identity with current documents.